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[]
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[]
[]
[null,null,null,null,null,"PUNTEGGIO"]
[null,null,null,null,null,"SI",1]
[null,null,null,null,null,"NO",0]
[]
[null,null,null,null,null,"PROFILO DI RISCHIO","Limite inferiore","Limite superiore"]
[null,null,null,null,null,"SOLVIBILITA'",0,{"$f":"1/7","v":0.14285714285714285}]
[null,null,null,null,null,"VULNERABILITA'",{"$f":"H14","v":0.14285714285714285},{"$f":"H14+1/7","v":0.2857142857142857}]
[null,null,null,null,null,"VULNERABILITA' ELEVATA",0.2857142857142857,0.42857142857142855]
[null,null,null,null,null,"RISCHIO",0.42857142857142855,0.5714285714285714]
[null,null,null,null,null,"RISCHIO ELEVATO",0.5714285714285714,0.71428571428571419]
[null,null,null,null,null,"RISCHIO MOLTO ELEVATO",0.71428571428571419,0.85714285714285698]
[null,null,null,null,null,"RISCHIO MASSIMO",0.85714285714285698,0.99999999999999978]
[]
["SEZIONI","PESO SEZIONI",null,"N°","Quesito","RISPOSTA","PESO","PUNTEGGIO"]
["Anomalie nei rapporti verso controparti commerciali",0.1,null,"1.1 ","Ricevute ed altri avvisi di pagamento non onorate alla scadenza",null,0.1,{"$f":"IF(F23=\"\",\"Inserire risposta!\",IF(F23=$F$10,$G$10*G23*$B$23,$G$11))","v":"Inserire risposta!"}]
[null,null,{"$f":"IF(OR(AND(F24=\"SI\",OR(F23=\"SI\",F25=\"SI\",F26=\"SI\",F27=\"SI\",F28=\"SI\")),AND(F24=\"SI\",OR(F35=\"SI\",F47=\"SI\",F52=\"SI\",F72=\"SI\",F80=\"SI\")))=TRUE,1,\"\")","v":""},"1.2 ","Ritardi nei pagamenti concordati superiori a 90 giorni;",null,0.1,{"$f":"IF(F24=\"\",\"Inserire risposta!\",IF(F24=$F$10,$G$10*G24*$B$23,$G$11))","v":"Inserire risposta!"}]
[null,null,null,"1.3 ","Pagamenti parziali rispetto al prezzo concordato;",null,0.1,{"$f":"IF(F25=\"\",\"Inserire risposta!\",IF(F25=$F$10,$G$10*G25*$B$23,$G$11))","v":"Inserire risposta!"}]
[null,null,null,"1.4 ","Richieste di riscadenzamento nei pagamenti concordati;",null,0.1,"Inserire risposta!"]
[null,null,null,"1.5 ","Compensazioni, abbuoni derivanti da resi, controversie derivanti dalla quantità del prodotto o da ritardi nei termini di consegna anomali rispetto la media del settore;",null,0.1,"Inserire risposta!"]
[null,null,null,"1.6 ","Sconti o promozioni di ogni tipo in misura superiore al 50% del prezzo di listino o comunemente praticato, in ogni caso considerati anomali in rapporto alle comuni condizioni d’uso di piazza.",null,0.1,"Inserire risposta!"]
[null,null,null,"1.7","Sensibile aumento della dilazione di pagamento concessa ai clienti;",null,0.1,{"$f":"IF(F29=\"\",\"Inserire risposta!\",IF(F29=$F$10,$G$10*G29*$B$23,$G$11))","v":"Inserire risposta!"}]
[null,null,null,"1.8","Sensibile diminuzione della dilazione di pagamento ottenuta dai fornitori.",null,0.1,"Inserire risposta!"]
[null,null,{"$f":"IF(F31=\"SI\",1,\"\")","v":""},"1.9","Esistenza di procedure concorsuali a carico di clienti chiave;",null,0.1,"Inserire risposta!"]
[null,null,{"$f":"IF(F32=\"SI\",1,\"\")","v":""},"1.10","Esistenza di procedure concorsuali a carico di fornitori chiave.",null,0.1,"Inserire risposta!"]
[null,null,null,null,null,null,"Subtotale",{"$f":"SUM(H23:H32)","v":0}]
["Anomalie nei rapporti con banche ed altri soggetti finanziari",0.35,null,"2.1 ","Significativo e concordante(1) deterioramento dei rating interni assegnati dalle banche (downgrade);",null,{"$f":"1/12","v":8.3333333333333329E-2},{"$f":"IF(F34=\"\",\"Inserire risposta!\",IF(F34=$F$10,$G$10*G34*$B$34,$G$11))","v":"Inserire risposta!"}]
[null,null,{"$f":"IF(OR(AND(F35=\"SI\",OR(F34=\"SI\",F36=\"SI\",F37=\"SI\",F38=\"SI\",F39=\"SI\",F40=\"SI\",F41=\"SI\",F42=\"SI\",F43=\"SI\",F44=\"SI\",F45=\"SI\",G46=\"SI\")),AND(F35=\"SI\",OR(F24=\"SI\",F47=\"SI\",F52=\"SI\",F72=\"SI\",F80=\"SI\")))=TRUE,1,\"\")","v":""},"2.2 ","Sconfini rilevanti(2) e ripetuti in Centrale dei Rischi (avvenuti nell’arco degli ultimi 12 mesi);",null,{"$f":"1/12","v":8.3333333333333329E-2},"Inserire risposta!"]
[null,null,null,"2.3 ","Anomalo aumento delle richieste di garanzie su beni aziendali o di soggetti terzi;",null,8.3333333333333329E-2,"Inserire risposta!"]
[null,null,null,"2.4 ","Anomalo aumento delle segnalazioni in C.R. di insoluti su anticipo crediti;",null,8.3333333333333329E-2,"Inserire risposta!"]
[null,null,null,"2.5 ","Anomala richieste di fido oltre gli ordinari fabbisogni di cassa attesi. In particolare, ripetute richieste di temporanee disponibilità di cassa per far fronte a esigenze di tesoreria non giustificate dalla stagionalità;",null,8.3333333333333329E-2,"Inserire risposta!"]
[null,null,null,"2.6 ","Anomala e continuativa crescita dei fidi utilizzati, con particolare riferimento al sovra-utilizzo dei fidi di smobilizzo crediti commerciali (fidi autoliquidanti); ",null,8.3333333333333329E-2,"Inserire risposta!"]
[null,null,null,"2.7 ","Rientri nelle linee di credito per cassa o per firma che non si inseriscono in una rimodulazione complessiva della struttura degli affidamenti (3);",null,8.3333333333333329E-2,"Inserire risposta!"]
[null,null,null,"2.8 ","Richiesta di finanziamenti straordinari aventi per scopo consolidamento di debiti a breve termine e riscadenzamenti di prestiti persistenti non correlate a manovre finanziarie di ottimizzazione della struttura finanziaria ovvero, anche riduzioni di linee di fido non utilizzate, se non nell’ambito di una rimodulazione complessiva della struttura degli affidamenti (4);",null,8.3333333333333329E-2,"Inserire risposta!"]
[null,null,null,"2.9 "," Mancato pagamento di rimborsi di prestiti obbligazionari o di altri impegni in linea interessi o capitale ovvero riscadenzamenti e dilazioni su prestiti obbligazionari in essere;",null,8.3333333333333329E-2,"Inserire risposta!"]
[null,null,null,"2.10","Progressivo peggioramento delle condizioni negoziali praticate sulle linee di credito, sintomatico(5);",null,8.3333333333333329E-2,"Inserire risposta!"]
[null,null,null,"2.11","Progressivo peggioramento del rating bancario assegnato alla capogruppo o ad altre società del gruppo economico di appartenenza il cui peso specifico nell’area di   consolidamento sia ritenuto rilevante(6);",null,8.3333333333333329E-2,"Inserire risposta!"]
[null,null,null,"2.12","Mancato rispetto delle condizioni negoziali correlate alla concessione di linee di fido o a sue condizioni di utilizzo (covenant)(7).",null,8.3333333333333329E-2,"Inserire risposta!"]
[null,null,null,null,null,null,"Subtotale",{"$f":"SUM(H34:H45)","v":0}]
["Anomalie contrattuali nei confronti di controparti negoziali",0.05,{"$f":"IF(OR(AND(F47=\"SI\",OR(F48=\"SI\",F49=\"SI\",)),AND(F47=\"SI\",OR(F24=\"SI\",F35=\"SI\",F52=\"SI\",F72=\"SI\",F80=\"SI\")))=TRUE,1,\"\")","v":""},"3.1 ","Mancato rispetto di clausole contrattuali che comportano per la società impegni pecuniari di rilevante entità;",null,{"$f":"1/4","v":0.25},{"$f":"IF(F47=\"\",\"Inserire risposta!\",IF(F47=$F$10,$G$10*G47*$B$47,$G$11))","v":"Inserire risposta!"}]
[null,null,null,"3.2 ","Mancato rilascio di garanzie commerciali a garanzia di impegni aziendali “di fare” (Bid Bond, Advance Payment Bond, Performance Bond, ecc.);",null,{"$f":"1/4","v":0.25},{"$f":"IF(F48=\"\",\"Inserire risposta!\",IF(F48=$F$10,$G$10*G48*$B$47,$G$11))","v":"Inserire risposta!"}]
[null,null,null,"3.3 ","Mancato rilascio garanzie a fronte di prestazioni “di dare” (Payment Bonds, Retention Money Bond ecc.).",null,0.25,{"$f":"IF(F49=\"\",\"Inserire risposta!\",IF(F49=$F$10,$G$10*G49*$B$47,$G$11))","v":"Inserire risposta!"}]
[null,null,null,"3.4","Presenza di contenziosi rilevanti con controparti commerciali ",null,0.25,{"$f":"IF(F50=\"\",\"Inserire risposta!\",IF(F50=$F$10,$G$10*G50*$B$47,$G$11))","v":"Inserire risposta!"}]
[null,null,null,null,null,null,"Subtotale",{"$f":"SUM(H47:H50)","v":0}]
["Anomalie contabili e di bilancio",0.35,{"$f":"IF(OR(AND(F52=\"SI\",OR(F53=\"SI\",F54=\"SI\",F55=\"SI\",F56=\"SI\",F57=\"SI\",F58=\"SI\",F59=\"SI\",F60=\"SI\",F61=\"SI\",F62=\"SI\",F63=\"SI\")),AND(F52=\"SI\",OR(F24=\"SI\",F35=\"SI\",F47=\"SI\",F72=\"SI\",F80=\"SI\")))=TRUE,1,\"\")","v":""},"4.1 ","Riduzione superiore al 50% del patrimonio netto per effetto di perdite d’esercizio;",null,{"$f":"1/18","v":5.5555555555555552E-2},{"$f":"IF(F52=\"\",\"Inserire risposta!\",IF(F52=$F$10,$G$10*G52*$B$52,$G$11))","v":"Inserire risposta!"}]
[null,null,null,"4.2.","Riduzione del capitale tangibile(8) rettificato inferiore a zero;",null,{"$f":"1/18","v":5.5555555555555552E-2},"Inserire risposta!"]
[null,null,null,"4.3.","Drastica riduzione dei valori dell’attivo per perdite durevoli di valore o delle garanzie rilasciate a terzi a fronte di impegni finanziari rilevanti;",null,5.5555555555555552E-2,"Inserire risposta!"]
[null,null,null,"4.4.","Drastica riduzione del fatturato per un ammontare superiore al 10% ovvero superiore al 30% del margine di sicurezza (ricavi di vendita – BEP);",null,5.5555555555555552E-2,"Inserire risposta!"]
[null,null,null,"4.5.","Anomalo aumento del capitale circolante operativo(9) non compensato da un pari aumento dell’autofinanziamento operativo(10);",null,5.5555555555555552E-2,"Inserire risposta!"]
[null,null,null,"4.6.","Drastica riduzione del flusso di cassa operativo accompagnato da un saldo netto di gestione negativo;",null,5.5555555555555552E-2,"Inserire risposta!"]
[null,null,null,"4.7.","Debt Service Coverage Ratio < 1,1(11);",null,5.5555555555555552E-2,"Inserire risposta!"]
[null,null,null,"4.8.","Autofinanziamento operativo negativo;",null,5.5555555555555552E-2,"Inserire risposta!"]
[null,null,null,"4.9.","Drastica crescita della posizione finanziaria netta associata ad un rapporto CNT/CI(12) < 30%;",null,5.5555555555555552E-2,"Inserire risposta!"]
[null,null,null,"4.10","Liabilities leverage (Equity/Total Asset<5% -10%)” e Profit before taxes/Revenues < -1%);",null,5.5555555555555552E-2,"Inserire risposta!"]
[null,null,null,"4.11","Oneri finanziari netti/margine operativo lordo(13) > 30%;",null,5.5555555555555552E-2,"Inserire risposta!"]
[null,null,null,"4.12","Anomala crescita dei costi capitalizzati non rientranti tra le immobilizzazioni valutabili al fair value (marchi, brevetti, opere d’ingegno) non giustificati da una dimostrabile crescita degli investimenti materiali ed aumento nel volume d’affari.",null,5.5555555555555552E-2,"Inserire risposta!"]
[null,null,null,"4.13","Presenza di crediti di dubbia esigibilità",null,5.5555555555555552E-2,"Inserire risposta!"]
[null,null,null,"4.14","Anomala valorizzazione di partecipazioni e potenziali rischi di svalutazione",null,5.5555555555555552E-2,"Inserire risposta!"]
[null,null,null,"4.15","Presenza di rilevanti e/o anomale partite infragruppo ",null,5.5555555555555552E-2,"Inserire risposta!"]
[null,null,null,"4.16","Presenza di incassi/ricavi di carattere non ripetitivo che hanno significativamente contribuito ai risultati dell' esercizio ",null,5.5555555555555552E-2,"Inserire risposta!"]
[null,null,null,"4.17","Sensibile riduzione del Margine Operativo Lordo ",null,5.5555555555555552E-2,"Inserire risposta!"]
[null,null,null,"4.18","Anomalo valore di oneri e debiti diversi ",null,5.5555555555555552E-2,"Inserire risposta!"]
[null,null,null,null,null,null,"Subtotale",{"$f":"SUM(H52:H69)","v":0}]
["Anomalie gestionali",0.1,null,"5.1","Perdita di membri della direzione con responsabiità strategiche senza una loro sostituzione;",null,{"$f":"1/7","v":0.14285714285714285},{"$f":"IF(F71=\"\",\"Inserire risposta!\",IF(F71=$F$10,$G$10*G71*$B$71,$G$11))","v":"Inserire risposta!"}]
[null,null,{"$f":"IF(OR(AND(F72=\"SI\",OR(F71=\"SI\",F73=\"SI\",F74=\"SI\",F75=\"SI\",F76=\"SI\",F77=\"SI\")),AND(F72=\"SI\",OR($F$24=\"SI\",$F$35=\"SI\",$F$47=\"SI\",$F$52=\"SI\",$F$80=\"SI\")))=TRUE,1,\"\")","v":""},"5.2","Perdita di mercati fondamentali, di clienti chiave, di contratti di distribuzione, di concessioni o di forniture importanti;",null,{"$f":"1/7","v":0.14285714285714285},{"$f":"IF(F72=\"\",\"Inserire risposta!\",IF(F72=$F$10,$G$10*G72*$B$71,$G$11))","v":"Inserire risposta!"}]
[null,null,null,"5.3","Difficoltà con il personale;",null,0.14285714285714285,"Inserire risposta!"]
[null,null,null,"5.4","Scarsità nell'approvigionamento di forniture importanti;",null,0.14285714285714285,{"$f":"IF(F74=\"\",\"Inserire risposta!\",IF(F74=$F$10,$G$10*G74*$B$71,$G$11))","v":"Inserire risposta!"}]
[null,null,null,"5.5","Comparsa di concorrenti di grande successo;",null,0.14285714285714285,"Inserire risposta!"]
[null,null,null,"5.6","Elevati rischi ambientali non adeguatamente coperti da polizze assicurative.",null,0.14285714285714285,"Inserire risposta!"]
[null,null,null,"5.7","Elevati rischi di compliance (mancanza o carenza di un modello organizzativo ex D.lgs. 8 giugno 2001, n.231).",null,0.14285714285714285,"Inserire risposta!"]
[null,null,null,null,null,null,"Subtotale",{"$f":"SUM(H71:H77)","v":0}]
["Anomalie erariali",0.05,null,"6.1 ","Mancato pagamento di imposte dirette, indirette e ritenute d’acconto per oltre un semestre;",null,{"$f":"1/3","v":0.33333333333333331},{"$f":"IF(F79=\"\",\"Inserire risposta!\",IF(F79=$F$10,$G$10*G79*$B$79,$G$11))","v":"Inserire risposta!"}]
[null,null,{"$f":"IF(OR(AND(F80=\"SI\",F79=\"SI\"),AND(F80=\"SI\",OR($F$24=\"SI\",$F$35=\"SI\",$F$47=\"SI\",$F$52=\"SI\",$F$72=\"SI\")))=TRUE,1,\"\")","v":""},"6.2 ","Mancato pagamento di contributi previdenziali e premi assicurativi obbligatori per lavoratori dipendenti per oltre un semestre;",null,{"$f":"1/3","v":0.33333333333333331},{"$f":"IF(F80=\"\",\"Inserire risposta!\",IF(F80=$F$10,$G$10*G80*$B$79,$G$11))","v":"Inserire risposta!"}]
[null,null,null,"6.3","Rilevante richiesta di rateizzazione di debiti erariali.",null,{"$f":"1/3","v":0.33333333333333331},{"$f":"IF(F81=\"\",\"Inserire risposta!\",IF(F81=$F$10,$G$10*G81*$B$79,$G$11))","v":"Inserire risposta!"}]
[null,null,null,null,null,null,"Subtotale",{"$f":"SUM(H79:H81)","v":0}]
[null,null,null,null,null,"SCORE COMPLESSIVO",null,{"$f":"H82+H33+H46+H51+H70+H78","v":0}]
[null,null,{"$f":"SUM(C23:C82)","v":0},null,null,"GIUDIZIO PARZIALE",null,{"$f":"IF(COUNTIF(F23:F81,\"\")>5,\"\",IF($H$83<=$H$14,F14,IF(AND($H$83>G14,H83<=H15),F15,IF(AND($H$83>G15,$H$83<=H16),F16,IF(AND($H$83>G16,$H$83<=H17),F17,IF(AND($H$83>G17,$H$83<=H18),F18,IF(AND($H$83>G18,$H$83<=H19),F19,F20)))))))","v":""}]
[null,null,null,null,null,"SEVERITY (FATTORI DI RISCHIO CORRELATI)",null,{"$f":"IF(H84=\"\",\"\",IFERROR(IF(C84>=1,VLOOKUP(VLOOKUP(H84,F115:G120,2,FALSE)+1,G115:H121,2,FALSE),H84),F20))","v":""}]
["Manifestazioni significative da eventi pregiudizievoli",null,{"$f":"IF(F86=\"SI\",1,\"\")","v":""},"7.1 ","Iscrizioni di ipoteche giudiziarie, pegni e forme tecniche di prelazione su beni aziendale;",null,null,{"$f":"IF(F86=\"\",\"Inserire risposta!\",\"\")","v":"Inserire risposta!"}]
[null,null,{"$f":"IF(F87=\"SI\",1,\"\")","v":""},"7.2 ","Decreti ingiuntivi ricevuti ed atti di ricognitivi di avvio di azioni per il recupero dei crediti;",null,null,{"$f":"IF(F87=\"\",\"Inserire risposta!\",\"\")","v":"Inserire risposta!"}]
[null,null,{"$f":"IF(F88=\"SI\",1,\"\")","v":""},"7.3 ","Protesto di assegni e cambiali;",null,null,{"$f":"IF(F88=\"\",\"Inserire risposta!\",\"\")","v":"Inserire risposta!"}]
[null,null,"","7.4 ","Istanze di fallimento avanzate da creditori aziendali;",null,null,"Inserire risposta!"]
[null,null,"","7.5 ","Default/fallimento dei garanti e default/fallimento dei garantiti (rischio infragruppo);",null,null,"Inserire risposta!"]
[null,null,"","7.6","Intenzione della direzione di liquidare l'impresa o dicessare le attviità;",null,null,"Inserire risposta!"]
[null,null,{"$f":"SUM(C86:C91)","v":0},null,null,"WARNING ",null,{"$f":"IF(H85=\"\",\"\",IFERROR(IF(AND(C92>=1,H85<>\"RISCHIO ELEVATO\",H85<>\"RISCHIO MOLTO ELEVATO\",H85<>\"RISCHIO MASSIMO\"),\"RISCHIO\",H85),\"\"))","v":""}]
[]
[null,null,null,null,{"$f":"IF(H94=\"MIGLIORATIVO\",CONCATENATE(\"RELAZIONE DETTAGLIATA SULL'ADEGUATA VERIFICA AL \",TEXT(NOW(),\"GG.MM.AAAA\")),\"\")","v":""},"VARIAZIONE DELLO SCORE",null,null,"CONFERMATO"]
[null,null,null,null,null,"GIUDIZIO FINALE",null,{"$f":"IF(H94=\"\",\"\",IF(H94=\"CONFERMATO\",H92,IF(H94=\"PEGGIORATIVO\",IFERROR(VLOOKUP(VLOOKUP(H92,F115:G120,2,FALSE)+1,G115:H121,2,FALSE),H92),IFERROR(VLOOKUP(VLOOKUP(H92,F116:G121,2,FALSE)-1,G115:H121,2,FALSE),H92))))","v":""},"MIGLIORATIVO"]
[null,null,null,null,null,"ORIZZONTE TEMPORALE (in anni)",null,null,"PEGGIORATIVO"]
[null,null,null,null,null,"PROBABILITA' DI DEFAULT LIFETIME",null,{"$f":"IFERROR(VLOOKUP(H95,'MATRICI DI TRANSAZIONE'!D165:N175,'Prevalutazione del rischio'!H96+1,FALSE),\"\")","v":""}]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[]
[null,null,null,null,null,"SOLVIBILITA'",1,"SOLVIBILITA'"]
[null,null,null,null,null,"VULNERABILITA'",2,"VULNERABILITA'"]
[null,null,null,null,null,"VULNERABILITA' ELEVATA",3,"VULNERABILITA' ELEVATA"]
[null,null,null,null,null,"RISCHIO",4,"RISCHIO"]
[null,null,null,null,null,"RISCHIO ELEVATO",5,"RISCHIO ELEVATO"]
[null,null,null,null,null,"RISCHIO MOLTO ELEVATO",6,"RISCHIO MOLTO ELEVATO"]
[null,null,null,null,null,"RISCHIO MASSIMO",7,"RISCHIO MASSIMO"]

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[null,"GLOSSARIO"]
[]
[null,"Denominazione","Formula",null,null,null,null,"Significato"]
[null,"PD Marginale",null,null,null,null,null,"Corrisponde alla probabilità incondizionata che un default avvenga esattamente nel periodo t"]
[null,"PD Current Lifetime (o cumulata)",null,null,null,null,null,"Corrisponde alla probabilità che un default avvenga nel periodo t o prima "]
[null,"PD Forward Condizionata",null,null,null,null,null,"Denota la probabilità che un default avvenga esattamente nel periodo tw-tk, condizionato al fatto che non ci siano stati default prima del periodo tk"]
[null,"PD Forward Lifetime ",null,null,null,null,null,"Corrisponde alla probabilità che un default avvenga nell'intervallo di tempo [t,T], dove T è la maturity, condizionata al fatto  che non ci siano stati default prima di t."]

{"sheet":"PD MEDIE DI CLASSE","index":3,"n_rows":16,"n_cols":7,"rows_kept":16,"cut":false,"hidden":true,"merged":[[27,3,38,3],[27,4,27,8],[27,9,38,9],[28,4,28,8],[29,4,29,8],[30,4,30,8],[31,4,31,8],[32,4,32,8],[33,4,33,8],[34,4,38,5],[34,6,38,6],[34,7,34,8],[35,7,35,8],[36,7,36,8],[37,7,37,8],[38,7,38,8],[24,5,24,6],[2,1,3,3],[2,4,3,6],[5,3,8,3],[9,3,10,3],[11,3,15,3]]}
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[]
[null,"BILANCI 2004 - 2014",null,null,"Calibrata sul concetto di default sofferenza bancaria"]
[]
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[null,"V1","Vulnerabilità","Area Vulnerabilità",7.0014999999999999E-3,2.54576E-2,5.1948300000000003E-2]
[null,"V2","Vulnerabilità elevata",null,1.65586E-2,5.91415E-2,0.1083369]
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[null,"R2","Rischio elevato",null,8.7691900000000003E-2,0.19785330000000001,0.28643469999999999]
[null,"R3","Rischio molto elevato",null,0.2055264,0.35948730000000001,0.44173790000000002]
[null,"R4","Rischio massimo",null,0.3407076,0.4481349,0.5158817]
[null,"D","Default",null,1,1,1]

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[null,null,null,"Matrice di transizione con dati puntuali dell'impresa"]
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[9,"9R1",null,"R1",1.0482039477283699E-2,4.4090612622474885E-2,3.1732134583758689E-2,0.12523013101018587,0.14552564845136504,0.12767038462436522,0.1250605894965873,8.7426489194673093E-2,1.628109526590615E-2,2.4195245045285775E-3,0.28409067649417452,1.0000093257253031]
[9,"9R2",null,"R2",7.1744459760447648E-3,3.0901805510958807E-2,2.3208506200621804E-2,9.5674654636287756E-2,0.11908149793867312,0.11143845883236352,0.1146108727277885,8.3461405901013405E-2,1.6032011347047015E-2,2.426773234929605E-3,0.39601103826845402,1.0000214705741823]
[9,"9R3",null,"R3",4.3271778471304524E-3,1.8981858908185999E-2,1.4782945240625569E-2,6.3374727678070064E-2,8.3802543743985783E-2,8.289844823875224E-2,8.8930212270728975E-2,6.7165506715577597E-2,1.3282085857697839E-2,2.0461663723775059E-3,0.56042002577464134,1.0000116986477734]
[9,"9R4",null,"R4",3.0244554540582447E-3,1.3346309953181191E-2,1.0516308745795936E-2,4.5660593721652792E-2,6.1565490291736857E-2,6.1996864466397607E-2,6.7439885183279064E-2,5.1581446649727303E-2,1.0309389853678826E-2,1.5987192874655147E-3,0.6729689119748864,1.0000083755818596]
[null,null,null,"Default",0,0,0,0,0,0,0,0,0,0,1,1]
[]
[]
[]
["Anno",null,null,{"$f":"CONCATENATE(A147,A149)","v":"Anno10"},"Rating al tempo t+10",null,null,null,null,null,null,null,null,null,null,"Tot."]
[null,null,null,"Rating al tempo t","S1","S2","S3","S4","V1","V2","R1","R2","R3","R4","Default","Tot"]
[{"$f":"A133+1","v":10},{"$f":"CONCATENATE(A149,D149)","v":"10S1"},null,"S1",{"$f":"MMULT(E133:O143,$E$5:$O$15)","v":3.7346771767113977E-2},0.12396460922661667,7.0404245400636833E-2,0.23119209375153035,0.19713085233647468,0.12363891244745608,9.2181457614052373E-2,5.0924106341650052E-2,7.9768832775268111E-3,1.0679602976908869E-3,6.4173601526862731E-2,{"$f":"SUM(E149:O149)","v":1.0000014939876114}]
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[10,"10V1",null,"V1",2.00344548569357E-2,7.8163521563311675E-2,5.0488309053197525E-2,0.18053923067298658,0.17868488235638758,0.13329608920873656,0.11522634793071312,7.2664145640359099E-2,1.2566137424607564E-2,1.7883895604304065E-3,0.1565528097437926,1.0000043180114582]
[10,"10V2",null,"V2",1.4956945680587086E-2,6.0319261146042677E-2,4.0783964355194158E-2,0.15201707435023795,0.16144354946141587,0.12990176407751319,0.11937169491394829,7.9304489316436202E-2,1.4249011877122721E-2,2.0744879867629763E-3,0.22558458134911358,1.0000068245143747]
[10,"10R1",null,"R1",1.1284631544048998E-2,4.6632352364832597E-2,3.2735075535570687E-2,0.1264637899486509,0.14244261261507568,0.12160142935425294,0.1169697156779597,8.0713093371701392E-2,1.4909700641768327E-2,2.2062994638733821E-3,0.30405133336213092,1.0000100338798656]
[10,"10R2",null,"R2",8.0103622088412169E-3,3.3830050859703212E-2,2.4612577943130595E-2,9.8479089601356026E-2,0.11728290041895423,0.10560349901313631,0.10572982195905904,7.5405474537618603E-2,1.4273899506063368E-2,2.1427878675831583E-3,0.41465168269612435,1.0000221466115702]
[10,"10R3",null,"R3",4.9958899539479873E-3,2.1467054718795352E-2,1.6107182506290823E-2,6.6511082623827558E-2,8.3202298942656794E-2,7.8413038694866849E-2,8.1233576701205817E-2,5.9617720851163403E-2,1.1535458879615724E-2,1.7544478651099495E-3,0.57517449095089745,1.0000122426883777]
[10,"10R4",null,"R4",3.5319642119198474E-3,1.5260431146041697E-2,1.1564417832460736E-2,4.8246499113339447E-2,6.1322105973818354E-2,5.8645937372910725E-2,6.1435805569421922E-2,4.5524320812220985E-2,8.8764477137701255E-3,1.3563438643487903E-3,0.68424451978132494,1.0000087933915776]
[null,null,null,"Default",0,0,0,0,0,0,0,0,0,0,1,1]
[]
[]
[null,null,null,"PD CUMULATE"]
[null,null,null,"Anno 1","Scadenza"]
[null,null,null,"Rating al tempo t",1,2,3,4,5,6,7,8,9,10]
[null,null,null,"SICUREZZA ELEVATA",{"$f":"O5","v":4.5624999999999998E-5},{"$f":"O21","v":9.5810883987055119E-4},{"$f":"O37","v":3.1343221267934088E-3},{"$f":"O53","v":6.887153436924592E-3},{"$f":"O69","v":1.2391570597394409E-2},{"$f":"O85","v":1.9681978513272882E-2},{"$f":"O101","v":2.8679579700152148E-2},{"$f":"O117","v":3.9228883525600833E-2},{"$f":"O133","v":5.1131660123225627E-2},{"$f":"O149","v":6.4173601526862731E-2}]
[null,null,null,"SICUREZZA ELEVATA",3.0148399999999998E-4,1.6522396800540077E-3,4.4724986114413959E-3,9.0679886917590553E-3,1.5566562204775286E-2,2.3932761077203393E-2,3.401535627420587E-2,4.5597950622657535E-2,5.8439169470512267E-2,7.229959440380565E-2]
[null,null,null,"SOLVIBILITA' ELEVATA",9.0700299999999998E-4,3.1893549491268957E-3,7.3331993234924276E-3,1.356260723587949E-2,2.1861358979656964E-2,3.2044532937954895E-2,4.3841734896376654E-2,5.6959412418825718E-2,7.1117471564693696E-2,8.6066574947805716E-2]
[null,null,null,"SOLVIBILITA'",2.3246999999999999E-3,6.8621475150213371E-3,1.3821698249404678E-2,2.3116832031713507E-2,3.4437670981710113E-2,4.7392774899775961E-2,6.1600268091375462E-2,7.6728112855998107E-2,9.2504102159024049E-2,0.10871189824970005]
[null,null,null,"VULNERABILITA'",7.0014999999999999E-3,1.7559185770280782E-2,3.1344493445668503E-2,4.7415712145551889E-2,6.488269984132175E-2,8.3083770267740165E-2,0.10157766911567241,0.12008721615342864,0.13844492008619608,0.1565528097437926]
[null,null,null,"VULNERABILITA' ELEVATA",1.65586E-2,3.9178414767668993E-2,6.4560797555709967E-2,9.054271639405212E-2,0.11596009888173743,0.14029470885950454,0.16338231471259812,0.18523231320900557,0.20592955313482955,0.22558458134911358]
[null,null,null,"RISCHIO",3.7231500000000001E-2,7.782944752670766E-2,0.11681027718590176,0.15240187885333734,0.18437697082316998,0.21307201135697951,0.23896150191830026,0.26250283569241906,0.28409067649417452,0.30405133336213092]
[null,null,null,"RISCHIO ELEVATO",8.77E-2,0.15854079411259583,0.21426702830704142,0.25875334953474227,0.29520740505562043,0.32586696732738663,0.35224679354664196,0.37538497118235425,0.39601103826845402,0.41465168269612435]
[null,null,null,"RISCHIO MOLTO ELEVATO",0.2055264,0.32122233489295943,0.39165994835201079,0.43932032856868963,0.47444607700043501,0.50199977121789108,0.52460442856038136,0.54376730858384081,0.56042002577464134,0.57517449095089745]
[null,null,null,"RISCHIO MASSIMO",0.3407076,0.46898366134358133,0.53519420076085777,0.57643887239311831,0.60542255216399332,0.6275021630817218,0.64527776028051309,0.66015613074877055,0.6729689119748864,0.68424451978132494]
[null,null,null,"DEFAULT",1,1,1,1,1,1,1,1,1,1]
[]
[]
[null,null,null,"PD MARGINALI"]
[null,null,null,"Anno 1","Scadenza"]
[null,null,null,"Rating al tempo t",1,2,3,4,5,6,7,8,9,10]
[null,null,null,"SICUREZZA ELEVATA",{"$f":"E165","v":4.5624999999999998E-5},{"$f":"F165-E165","v":9.1248383987055121E-4},2.1762132869228576E-3,3.7528313101311832E-3,5.5044171604698173E-3,7.2904079158784725E-3,8.9976011868792664E-3,1.0549303825448685E-2,1.1902776597624794E-2,1.3041941403637104E-2]
[null,null,null,"SICUREZZA ELEVATA",3.0148399999999998E-4,{"$f":"F166-E166","v":1.3507556800540078E-3},2.8202589313873882E-3,4.5954900803176595E-3,6.4985735130162307E-3,8.3661988724281072E-3,1.0082595197002477E-2,1.1582594348451665E-2,1.2841218847854732E-2,1.3860424933293383E-2]
[null,null,null,"SOLVIBILITA' ELEVATA",9.0700299999999998E-4,{"$f":"F167-E167","v":2.2823519491268957E-3},4.1438443743655323E-3,6.2294079123870628E-3,8.2987517437774737E-3,1.0183173958297931E-2,1.1797201958421759E-2,1.3117677522449064E-2,1.4158059145867978E-2,1.494910338311202E-2]
[null,null,null,"SOLVIBILITA'",2.3246999999999999E-3,{"$f":"F168-E168","v":4.5374475150213372E-3},6.9595507343833407E-3,9.2951337823088294E-3,1.1320838949996605E-2,1.2955103918065848E-2,1.4207493191599502E-2,1.5127844764622644E-2,1.5775989303025942E-2,1.6207796090676005E-2]
[null,null,null,"VULNERABILITA'",7.0014999999999999E-3,{"$f":"F169-E169","v":1.0557685770280781E-2},1.3785307675387722E-2,1.6071218699883386E-2,1.7466987695769862E-2,1.8201070426418414E-2,1.8493898847932247E-2,1.850954703775623E-2,1.8357703932767436E-2,1.8107889657596521E-2]
[null,null,null,"VULNERABILITA' ELEVATA",1.65586E-2,{"$f":"F170-E170","v":2.2619814767668993E-2},2.5382382788040975E-2,2.5981918838342152E-2,2.5417382487685311E-2,2.433460997776711E-2,2.3087605853093579E-2,2.1849998496407452E-2,2.0697239925823979E-2,1.9655028214284026E-2]
[null,null,null,"RISCHIO",3.7231500000000001E-2,{"$f":"F171-E171","v":4.0597947526707659E-2},3.8980829659194097E-2,3.559160166743558E-2,3.1975091969832642E-2,2.8695040533809529E-2,2.5889490561320755E-2,2.3541333774118794E-2,2.1587840801755465E-2,1.9960656867956394E-2]
[null,null,null,"RISCHIO ELEVATO",8.77E-2,{"$f":"F172-E172","v":7.0840794112595834E-2},5.5726234194445584E-2,4.4486321227700854E-2,3.6454055520878159E-2,3.0659562271766194E-2,2.6379826219255331E-2,2.3138177635712298E-2,2.0626067086099764E-2,1.8640644427670328E-2]
[null,null,null,"RISCHIO MOLTO ELEVATO",0.2055264,{"$f":"F173-E173","v":0.11569593489295943},7.0437613459051363E-2,4.7660380216678844E-2,3.5125748431745374E-2,2.7553694217456071E-2,2.2604657342490286E-2,1.916288002345945E-2,1.6652717190800526E-2,1.4754465176256115E-2]
[null,null,null,"RISCHIO MASSIMO",0.3407076,{"$f":"F174-E174","v":0.12827606134358133},6.6210539417276448E-2,4.1244671632260532E-2,2.8983679770875015E-2,2.2079610917728476E-2,1.7775597198791293E-2,1.4878370468257462E-2,1.2812781226115844E-2,1.1275607806438548E-2]
[null,null,null,"DEFAULT",1,{"$f":"F175-E175","v":0},0,0,0,0,0,0,0,0]